{
  "canonical_url": "https://lendb.ai/lender/flat-branch-mortgage-inc-224149",
  "summary": "Flat Branch Mortgage, Inc. (company NMLS 224149) is an independent mortgage lender. LenDb lists 58 of its loan officers, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
    "nmls_id": 224149,
    "slug": "flat-branch-mortgage-inc-224149",
    "canonical_url": "https://lendb.ai/lender/flat-branch-mortgage-inc-224149",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/224149",
    "name": {
      "value": "Flat Branch Mortgage, Inc.",
      "source": "state_regulator",
      "source_url": "https://flatbranchhomeloans.com",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "imb",
    "website": {
      "value": "https://flatbranchhomeloans.com",
      "source": "state_regulator",
      "source_url": "https://flatbranchhomeloans.com",
      "verified_at": "2026-10-13"
    },
    "lo_directory_url": null,
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://flatbranchhomeloans.com",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0.049,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 15375,
          "by_loan_type": {
            "conventional": 8695,
            "fha": 4062,
            "va": 1626,
            "usda": 992
          },
          "purchase": 13674,
          "refinance": 1608,
          "other_purpose": 93,
          "jumbo": 65,
          "investor": 436,
          "volume_usd": 3707345000
        },
        {
          "year": 2024,
          "loans": 13897,
          "by_loan_type": {
            "conventional": 8131,
            "fha": 3346,
            "va": 1495,
            "usda": 925
          },
          "purchase": 12846,
          "refinance": 998,
          "other_purpose": 53,
          "jumbo": 42,
          "investor": 420,
          "volume_usd": 3150515000
        }
      ],
      "top_states": [
        {
          "state": "MO",
          "loans": 7301
        },
        {
          "state": "IL",
          "loans": 1758
        },
        {
          "state": "AR",
          "loans": 1481
        },
        {
          "state": "OK",
          "loans": 1425
        },
        {
          "state": "KS",
          "loans": 1216
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 58,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "loan_officers": [
    {
      "nmls_id": 564087,
      "slug": "aaron-arlington-564087",
      "full_name": "Aaron Arlington",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/aaron-arlington-564087"
    },
    {
      "nmls_id": 1743438,
      "slug": "adam-lair-1743438",
      "full_name": "Adam Lair",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/adam-lair-1743438"
    },
    {
      "nmls_id": 932959,
      "slug": "adam-swenka-932959",
      "full_name": "Adam Swenka",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/adam-swenka-932959"
    },
    {
      "nmls_id": 1459174,
      "slug": "alicia-miller-1459174",
      "full_name": "Alicia Miller",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/alicia-miller-1459174"
    },
    {
      "nmls_id": 2659835,
      "slug": "amy-mintert-2659835",
      "full_name": "Amy Mintert",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/amy-mintert-2659835"
    },
    {
      "nmls_id": 525940,
      "slug": "amy-pemberton-525940",
      "full_name": "Amy Pemberton",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/amy-pemberton-525940"
    },
    {
      "nmls_id": 2660781,
      "slug": "andrea-spearman-2660781",
      "full_name": "Andrea Spearman",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/andrea-spearman-2660781"
    },
    {
      "nmls_id": 1803607,
      "slug": "andrew-gladstone-1803607",
      "full_name": "Andrew Gladstone",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/andrew-gladstone-1803607"
    },
    {
      "nmls_id": 784628,
      "slug": "andrew-kassoff-784628",
      "full_name": "Andrew Kassoff",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/andrew-kassoff-784628"
    },
    {
      "nmls_id": 1866815,
      "slug": "angela-baughman-miller-1866815",
      "full_name": "Angela Baughman-Miller",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/angela-baughman-miller-1866815"
    },
    {
      "nmls_id": 727533,
      "slug": "benjamin-young-727533",
      "full_name": "Benjamin Young",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/benjamin-young-727533"
    },
    {
      "nmls_id": 2712879,
      "slug": "blake-green-2712879",
      "full_name": "Blake Green",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/blake-green-2712879"
    },
    {
      "nmls_id": 499414,
      "slug": "bo-brown-499414",
      "full_name": "Bo Brown",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/bo-brown-499414"
    },
    {
      "nmls_id": 2152796,
      "slug": "brenn-bartz-2152796",
      "full_name": "Brenn Bartz",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/brenn-bartz-2152796"
    },
    {
      "nmls_id": 2447609,
      "slug": "brian-adams-2447609",
      "full_name": "Brian Adams",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/brian-adams-2447609"
    },
    {
      "nmls_id": 155690,
      "slug": "carol-shadrick-155690",
      "full_name": "Carol Shadrick",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/carol-shadrick-155690"
    },
    {
      "nmls_id": 1105394,
      "slug": "caroline-groves-1105394",
      "full_name": "Caroline Groves",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/caroline-groves-1105394"
    },
    {
      "nmls_id": 419438,
      "slug": "conrad-eberhard-419438",
      "full_name": "Conrad Eberhard",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/conrad-eberhard-419438"
    },
    {
      "nmls_id": 238688,
      "slug": "dennis-tate-238688",
      "full_name": "Dennis Tate",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/dennis-tate-238688"
    },
    {
      "nmls_id": 133083,
      "slug": "diodato-vannucci-133083",
      "full_name": "Diodato Vannucci",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/diodato-vannucci-133083"
    },
    {
      "nmls_id": 913580,
      "slug": "elizabeth-langston-913580",
      "full_name": "Elizabeth Langston",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/elizabeth-langston-913580"
    },
    {
      "nmls_id": 1384085,
      "slug": "emily-machetta-1384085",
      "full_name": "Emily Machetta",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/emily-machetta-1384085"
    },
    {
      "nmls_id": 252269,
      "slug": "eric-hemmer-252269",
      "full_name": "Eric Hemmer",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/eric-hemmer-252269"
    },
    {
      "nmls_id": 492739,
      "slug": "ethan-wagner-492739",
      "full_name": "Ethan Wagner",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/ethan-wagner-492739"
    },
    {
      "nmls_id": 2504877,
      "slug": "francisco-gaona-2504877",
      "full_name": "Francisco Gaona",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/francisco-gaona-2504877"
    },
    {
      "nmls_id": 1049369,
      "slug": "gabriel-kopun-1049369",
      "full_name": "Gabriel Kopun",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/gabriel-kopun-1049369"
    },
    {
      "nmls_id": 1297531,
      "slug": "heather-martin-1297531",
      "full_name": "Heather Martin",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/heather-martin-1297531"
    },
    {
      "nmls_id": 2671476,
      "slug": "hunter-randall-2671476",
      "full_name": "Hunter Randall",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/hunter-randall-2671476"
    },
    {
      "nmls_id": 1663033,
      "slug": "james-dobbins-1663033",
      "full_name": "James Dobbins",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/james-dobbins-1663033"
    },
    {
      "nmls_id": 521200,
      "slug": "jennifer-coyle-521200",
      "full_name": "Jennifer Coyle",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jennifer-coyle-521200"
    },
    {
      "nmls_id": 1474953,
      "slug": "jeremiah-lindsey-1474953",
      "full_name": "Jeremiah Lindsey",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jeremiah-lindsey-1474953"
    },
    {
      "nmls_id": 253826,
      "slug": "jessica-hickman-253826",
      "full_name": "Jessica Hickman",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jessica-hickman-253826"
    },
    {
      "nmls_id": 297182,
      "slug": "john-gieras-297182",
      "full_name": "John Gieras",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/john-gieras-297182"
    },
    {
      "nmls_id": 423678,
      "slug": "joseph-morris-423678",
      "full_name": "Joseph Morris",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/joseph-morris-423678"
    },
    {
      "nmls_id": 158383,
      "slug": "joshua-duda-158383",
      "full_name": "Joshua Duda",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/joshua-duda-158383"
    },
    {
      "nmls_id": 1806796,
      "slug": "kara-bradley-1806796",
      "full_name": "Kara Bradley",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kara-bradley-1806796"
    },
    {
      "nmls_id": 137788,
      "slug": "khary-williams-137788",
      "full_name": "Khary Williams",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/khary-williams-137788"
    },
    {
      "nmls_id": 894836,
      "slug": "kristine-branon-894836",
      "full_name": "Kristine Branon",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kristine-branon-894836"
    },
    {
      "nmls_id": 488324,
      "slug": "kyle-bradley-488324",
      "full_name": "Kyle Bradley",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kyle-bradley-488324"
    },
    {
      "nmls_id": 1438750,
      "slug": "lindsey-dehn-1438750",
      "full_name": "Lindsey Dehn",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/lindsey-dehn-1438750"
    },
    {
      "nmls_id": 409929,
      "slug": "lori-hines-409929",
      "full_name": "Lori Hines",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/lori-hines-409929"
    },
    {
      "nmls_id": 2628630,
      "slug": "lyndall-martin-2628630",
      "full_name": "Lyndall Martin",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/lyndall-martin-2628630"
    },
    {
      "nmls_id": 2008830,
      "slug": "mark-godinez-2008830",
      "full_name": "Mark Godinez",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/mark-godinez-2008830"
    },
    {
      "nmls_id": 2172012,
      "slug": "mark-madison-2172012",
      "full_name": "Mark Madison",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/mark-madison-2172012"
    },
    {
      "nmls_id": 233614,
      "slug": "mathew-ringleb-233614",
      "full_name": "Mathew Ringleb",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/mathew-ringleb-233614"
    },
    {
      "nmls_id": 1425957,
      "slug": "meagen-duran-1425957",
      "full_name": "Meagen Duran",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/meagen-duran-1425957"
    },
    {
      "nmls_id": 595462,
      "slug": "michelle-willer-595462",
      "full_name": "Michelle Willer",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/michelle-willer-595462"
    },
    {
      "nmls_id": 1278221,
      "slug": "paige-pooree-1278221",
      "full_name": "Paige Pooree",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/paige-pooree-1278221"
    },
    {
      "nmls_id": 225655,
      "slug": "richard-lebourveau-225655",
      "full_name": "Richard Lebourveau",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/richard-lebourveau-225655"
    },
    {
      "nmls_id": 2315926,
      "slug": "ryan-haskell-2315926",
      "full_name": "Ryan Haskell",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/ryan-haskell-2315926"
    },
    {
      "nmls_id": 1449864,
      "slug": "samuel-hickey-1449864",
      "full_name": "Samuel Hickey",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/samuel-hickey-1449864"
    },
    {
      "nmls_id": 412715,
      "slug": "shelley-rhoades-412715",
      "full_name": "Shelley Rhoades",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/shelley-rhoades-412715"
    },
    {
      "nmls_id": 1417092,
      "slug": "stanley-brown-1417092",
      "full_name": "Stanley Brown",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/stanley-brown-1417092"
    },
    {
      "nmls_id": 584283,
      "slug": "taylor-nedrow-584283",
      "full_name": "Taylor Nedrow",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/taylor-nedrow-584283"
    },
    {
      "nmls_id": 588863,
      "slug": "thomas-stone-588863",
      "full_name": "Thomas Stone",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/thomas-stone-588863"
    },
    {
      "nmls_id": 289967,
      "slug": "traci-everman-289967",
      "full_name": "Traci Everman",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/traci-everman-289967"
    },
    {
      "nmls_id": 1402950,
      "slug": "whitney-young-1402950",
      "full_name": "Whitney Young",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/whitney-young-1402950"
    },
    {
      "nmls_id": 860005,
      "slug": "william-etters-860005",
      "full_name": "William Etters",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/william-etters-860005"
    }
  ]
}